The Ins And Outs Of Wage Garnishment & How To Avoid It

In the world of debt collection, wage garnishment is the equivalent of bringing in the “big guns.” It’s a regular payment to a creditor, taken from a paycheck by the employer. This is a powerful tool used by creditors to get repaid, but it also requires that they initiate a lawsuit – something many are reluctant to […]

The Disadvantages of Delaying Bankruptcy

There is a multitude of reasons that you may sit back and wait on filing for bankruptcy. One of the more common reasons for people delaying filing for bankruptcy is that they believe their financial situation will improve. Sometimes, this is the case; however, more often, it simply is not the case. Other factors that […]

6 Tips to Rebuilding Your Credit After Bankruptcy in NJ or PA

The decision to declare bankruptcy is very difficult. The goal of filing bankruptcy is to give a troubled debtor a fresh start, yet it affects your future credit, your reputation, and your self-image. Thankfully it also considerably improves your short-term quality of life, alleviates many of your financial obligations, and you may be able to […]

How Long Can a Creditor Take to Collect a Debt in New Jersey?

Let’s say you bought something on credit but the vendor’s bill never showed up in your mailbox. You thought you hit the jackpot! But then, one day, the company woke up and now you find it’s time to pay the piper. How long can a creditor wait before attempting to collect on debt? “I am […]

The Ins and Outs of Wage Garnishment and How to Stop It in NJ or PA!

The Ins and Outs of Wage Garnishment in NJ or PA and How to STOP It In the world of debt collection, wage garnishment is the equivalent of bringing in the “big guns.” It’s a regular payment to a creditor, taken directly from your paycheck by your employer. This is a powerful tool used by […]

Keeping Your Home When You File for Bankruptcy in New Jersey

When a person files for bankruptcy in New Jersey, it is important for them to understand that there will likely be serious consequences as they embark on a highly complex process. That’s why it is imperative that an individual thinking about seeking bankruptcy protection first speak with a qualified bankruptcy and debt management attorney who […]

How Often Can I File For Bankruptcy In NJ?

Getting into a difficult financial situation is hard for anyone, but it’s harder for someone who’s already filed for bankruptcy. There are no clear restrictions about the number of bankruptcy cases that you are eligible to file unless a bankruptcy court issues orders stating otherwise. However, you might need to wait a certain period of […]

I’m Facing Foreclosure. Can I Use Bankruptcy?

New Jersey foreclosure lawyer

The potential loss of your home may present a situation that is so difficult that you do not know what to do next. If you are already in foreclosure and are considering bankruptcy, you likely have many different concerns on your mind. You may be wondering whether or not the lender may still be able […]

4 Criteria For Tax Debt To Be Dischargeable Under Bankruptcy

Many people who struggle with their finances and debt also struggle with tax debt. It’s very common for people to turn to bankruptcy as a solution to their tax problems. Although bankruptcy can help with many types of tax issues, it can’t solve all tax debt problems. If you know how bankruptcy works when it […]

What Happens with My Tax Refund If I File for Personal Bankruptcy?

What Happens with My Tax Refund If I File for Personal Bankruptcy? When debt becomes unmanageable, many people wonder where they can turn for help. Filing for bankruptcy can help you discharge certain debts; however, the process itself is anything but simple. A common question we receive is, Can I keep my tax refund after […]

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